Which emergency backup generator is right for you?

A range of permanent and portable generators are available, so here's how to choose.

Emergency power generator.

A power outage in your home can be frightening, especially if severe weather is right outside your door. But there's another option to being left in the dark: an emergency generator. When the grid is down because of storms, hurricanes, freezing temperatures or other natural disasters, you never know how long it will take to restore power to homes. Having a backup generator in place will provide your home with temporary power during an emergency.

Home standby generators or portable?

There are two types of generators: home standby and portable. Each carries benefits and drawbacks, so make an informed decision based on the geography of your home and how much power you'll need if the lights go out.

Home standby generators

These remain permanently outside the home and on standby. They run on an existing fuel source — either liquid propane or natural gas — and are capable of generating enough wattage to re-energize your home in seconds after it loses power. That's because the permanent generator works in conjunction with a transfer switch to monitor incoming utility voltage. When your home's power goes out, the transfer switch will disconnect the utility line and connect a new power line from the generator to restore power within seconds.

Due to the sheer amount of power that permanent standby generators are capable of providing, they carry a hefty price tag. However, the cost has come down during the past few years, making them more affordable. In addition, licensed electricians must install these generators, and your local utility company must be notified that you have a backup system in place. However, if you live in an area that consistently sees power outages, this type of generator may be a good option and the best possible preparation money can buy. Also, if you live in a climate that's consistently very cold and plagued with ice storms, this generator may prove worthwhile to power your furnace and hot water heater, to keep your home warm and your pipes from freezing in the event of a prolonged power outage.

Portable generators

Portable generators are a more affordable option, when only a few vital electrical items are needed during a power outage. These generators are smaller and can be wheeled out of the garage. Their primary fuel is gasoline, so they should never be run inside the home or any enclosed area, where deadly carbon monoxide gas can accumulate.

It's recommended that you install battery-operated carbon monoxide detectors indoors according to manufacturer's instructions. Take care when fueling a gasoline-powered portable generator; never add fuel while the unit is running or hot. If the tank is overfilled, fuel can overflow onto a hot engine and cause a fire or explosion. Always start or stop the generator only when no electrical loads are connected.

Extension cords can be connected to portable generators and run inside to power smaller appliances like the refrigerator, sump pump, furnace, hot water heater, lamps, TVs and computers.

To select the best backup generator for yourself and your family, determine just how much power you would need in the event of a blackout. What could you do without for a few days? Hot water? Cold food? Check the manufacturer information for each appliance to find out the wattage of your necessary appliances, and then tally their numbers. A portable generator may be your best option if you stay aware of your energy consumption, and hold to using the wattage limit of the generator. Depending on the model, portables can generate between 2,500-4,500 watts. By using energy wisely, you'll still be able to comfortably endure a blackout.

Remember, connecting a portable generator directly to your household wiring can be deadly to you and others. A generator directly connected to your home's wiring can "back feed" onto the power lines connected to your home and injure neighbors or utility workers. By working with a qualified electrician, you can install a manual transfer switch to safely tie into selected circuits of your main electrical panel. If a portable generator is running and power is restored, the power company's electricity cannot get to those isolated circuits until the generator is turned off and the manual transfer switch is reset to the non-backup position.

Before you buy a generator

As always, do your research before buying a generator.

  • Determine which electrical items are needed in an emergency.
  • Remember: Homes in climates that have freezing temperatures need to protect against frozen pipes and the furnace will need to be on emergency power. Homes in climates that have hot temperatures and high humidity need to back up the air conditioner to protect against mold damage.
  • To save the food in the freezer, the refrigerator will need to be on the system, as well as any stand-alone freezer.
  • Homes with well water need to have the well pump on the generator system if toilets are to be flushed.
  • Total the watts needed to determine what size generator is required. Consider both running and starting watts. An electrician can help make this determination, or you can check the manufacturer information for each appliance.
  • Take your budget into consideration.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

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